Net Income Analysis ( % relative to Total Revenue )
Income Statement United Central Bank All Insured Commercial Banks in Texas
Interest and Fees on Loans 21,142 4,417
Income from Lease Financing Receivables — 1
— 14
Estimated Tax Benefit from Tax-Exempt Loan Income — 7
Income on Loans and Leases (TE) 21,142 4,440
Investment Interest Income (TE) 5,237 977
Total Interest Income (TE) 26,622 5,618
Total Interest Expense 5,946 477
Net Interest Income (TE) 20,676 5,110
Non-Interest Income 16,785 1,105
Adjusted Operating Income (TE) 37,461 6,342
Non-interest Expense 48,534 4,136
Provision for Loan & Lease Losses -8,920 116
Pretax Operating Income (TE) -2,153 2,023
Pretax Net Operating Income (TE) -1,066 2,051
Applicable Income Taxes 59 222
Net Operating Income -1,125 1,612
Net Income -1,125 1,611
Cash Dividends Declared — 561
Retained Earnings -1,125 929